It is true that finding a quality credit card is not always a simple task, because there are several models on the market, mainly for INSS pensioners and retirees. But today, we brought you the 4 best payroll cards so you can choose the best alternative for you.

So, read on to learn more about these cards. Check out!

First, we need to explain what a payroll card is. So, it basically works the same way as a regular credit card, however, it has lower fees and the amount of the invoice corresponding to the consignable margin is deducted directly from the payroll of civil servants or from the benefit of retirees and INSS pensioners.

So, see below the 4 payroll card options for 2021.

The BMG card is accessible to INSS retirees or pensioners, as well as public servants with or without name restrictions, including this is an advantage of payroll loans.

This is because payroll cards are also more accessible for people with negative credit cards, as credit protection agencies such as SPC and SERASA are not usually consulted, and this happens precisely because the payment of the invoice is made directly from the payroll, thus making default unfeasible.

And, in addition, it is a card with no annual fee and with national and international coverage, that is, it can be used in Brazil and in other countries, such as the United States, Mexico or any other that you want to visit, as well as having a Mastercard flag, that means that you can buy at millions of Mastercard partner establishments in these countries as well.

Furthermore, it is important to point out that only part of the invoice will be deducted from the payment, so the other part you will be able to choose the payment method, the main forms being bank slip and direct debit.

Also, through the BMG application, you can access all your transactions and features, such as balance, invoice, duplicate invoice, among others. Therefore, it is no wonder that the BMG payroll card is among the best alternatives in 2021.

Now that you already know about payroll cards, let's talk about Banco Pan's financial product. Like all the other cards of this institution, the payroll card also brings a unique experience to the bank's customers.

First, it is available to INSS retirees and pensioners, federal, state and municipal civil servants, as well as Army servants and pensioners.

In addition, the card does not require an annual fee, that is, you do not have to worry about paying a maintenance fee every month to maintain the card's services.

And furthermore, the credit limit is up to 2 times salary or benefit and you can withdraw up to 70% from it. As we mentioned earlier, only part of the invoice is deducted from the payroll, the other part you can pay at branches or through your trusted bank application.

In addition, Banco Pan does not consult credit bureaus, as it is a fully accessible card for those with negative credit. With it, you will be able to make payments and purchases, withdrawals and all other functions of traditional cards. But with interest rates up to 4 times lower.

Another payroll card option is Olé Consignado, with it you have interest rates up to 4 times lower than those of traditional credit cards and you can apply even if it is negative.

And, in addition, the Olé card is completely free, you do not pay an annuity and you also do not pay a fee for issuing the card, you just need to request it by proving the minimum income. This is because, as it is a payroll card, proof of income is required for the payment to be deducted from the salary.

In addition, the Olé card has international coverage, that is, you can use it in more than 27 million commercial establishments in Brazil and worldwide.

Plus, you can withdraw up to 70% from your credit limit and enjoy it however you want. Incidentally, whenever you use the Olé card at partner stores you can also get discounts. So, we recommend that you take a look at the list of partner stores on the Olé website, to take advantage of all the discounts.

Among the advantages of the Olé card, we can highlight that you can apply for the card without even having to leave your home, as the process is done completely online, as well as managing your card through the Olé application.

To close our list of the 4 best payroll cards, let's talk about the Cetelem card. It is ideal for retirees and pensioners and also accepts negatives.

And, in addition, the Cetelem card has no annual fee and the payment of the invoice is also deducted from the salary or benefit and you can pay the remainder through a bank slip.

Furthermore, unlike other cards, Cetelem has an issue fee of R$15.90, but don't worry, because you can pay in up to three installments on the invoice.

Also, when using the Cetelem card, you get a 20% discount if you shop at Cetelem bank partner stores and the Elo flag, which is the flag used on the card. Remembering that the card is national, that is, you can enjoy these advantages anywhere in Brazil.

Another feature of this card is that Cetelem also has an app so you can control everything that happens with your card. For example, if someone used your card at this time. Immediately, you receive a notification.

Therefore, Cetelem has several advantages, as we can see in the table below.